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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,884 | $75,541-97.5% | $152,093-98.8% | $82,637-97.7% |
| Participation rate | 59.6% | 66.5%-6.9pp | 77.8%-18.2pp | 68.1%-8.4pp |
| Annual return | 12.61% | 32.56%-20.0pp | 66.36%-53.8pp | 53.51%-40.9pp |
| Employer contribution / active EE | $212 | $2,622-91.9% | $4,175-94.9% | $2,552-91.7% |
| Participant deferral / active EE | $865 | $3,206-73.0% | $5,451-84.1% | $4,126-79.0% |
| Admin fee / account holder | $890 | $6,405-86.1% | $14,497-93.9% | $7,339-87.9% |